How Much Does Car Insurance Cost in Gilbert, AZ?
Car insurance rates in Gilbert, AZ, can vary depending on several factors, including your driving history, the type of coverage you choose, your age, the make and model of your vehicle, and even your ZIP code within Gilbert. Generally, Arizona car insurance rates tend to be slightly higher than the national average due to factors like the prevalence of extreme weather conditions and the level of traffic congestion in certain areas.
So, how much can you expect your local car insurance to cost in Gilbert, AZ?
Average Gilbert, AZ Car Insurance Rates:
- State Minimum Liability: You can expect to pay $94 a month or $1,124 a year.
- Full Coverage: You can expect to pay $281 a month or $3,373 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this city guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes.
Cheapest Car Insurance Providers in Gilbert
- In Gilbert, AZ the cheapest auto insurance providers on average are Allstate, GEICO and Farmers.
- State minimum liability car insurance starts at $70 a month or $838 a year.
- Full coverage car insurance would cost around $187 a month or $2,239 a year.
Here is a breakdown of average costs from the cheapest local insurance providers near you from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Companies: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Allstate | $838 | $70 | $2,239 | $187 |
| GEICO | $983 | $82 | $2,662 | $222 |
| Farmers | $1,120 | $93 | $3,789 | $316 |
| Progressive | $1,189 | $99 | $3,587 | $299 |
| State Farm | $1,487 | $124 | $4,589 | $382 |
| Average Cost: | $1,124 | $94 | $3,373 | $281 |
Average Auto Insurance Rates by Age Group
Arizona insurance providers use age as a significant factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
* Full Coverage – Average Costs by Age:
- 17 – 25 years: $6,609 yearly – $551 monthly
- 25 – 54 years: $3,310 yearly – $276 monthly
- 55+ years: $3,404 yearly – $284 monthly
* State Minimum Liability – Average Costs by Age:
- 17 – 25 years: $2,059 yearly – $172 monthly
- 25 – 54 years: $953 yearly – $79 monthly
- 55+ years: $1,121 yearly – $33 monthly
Here is a full breakdown of the average costs for car insurance by age in Arizona:
| Age | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $3,036 | $253 | $9,498 | $792 |
| 18 | $2,633 | $219 | $8,430 | $703 |
| 20 | $1,821 | $152 | $6,070 | $506 |
| 22 | $1,505 | $125 | $4,824 | $402 |
| 24 | $1,300 | $108 | $4,223 | $352 |
| 29 | $1,009 | $84 | $3,403 | $284 |
| 34 | $948 | $79 | $3,162 | $263 |
| 39 | $952 | $79 | $3,156 | $263 |
| 44 | $957 | $80 | $3,157 | $263 |
| 49 | $942 | $79 | $3,105 | $259 |
| 54 | $911 | $76 | $2,966 | $247 |
| 64 | $921 | $77 | $2,922 | $243 |
| 74 | $1,169 | $97 | $3,516 | $293 |
| 76 | $1,274 | $106 | $3,775 | $315 |
What are the Most Expensive Vehicle Types to Insure?
The type of vehicle you drive in Arizona will affect the overall costs of car insurance.
To determine how much you can expect to pay for your auto insurance based on vehicle type we averaged multiple cost quotes in AZ and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.
We pulled data from Arizona insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:
| Vehicle Type | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $975 | $81 | $2,731 | $228 |
| Hybrid Electric: | $927 | $77 | $2,923 | $244 |
| Luxury Coupe | $903 | $75 | $3,946 | $329 |
| SUV | $878 | $73 | $2,376 | $198 |
| Truck: | $1,067 | $89 | $3,208 | $267 |
Are New Cars More Expensive to Insure in AZ?
Drivers of brand new vehicles can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.
We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in Arizona:
| Vehicle Type | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $907 | $76 | $3,093 | $258 |
| Hybrid Electric: | $928 | $77 | $3,235 | $270 |
| Luxury Coupe | $923 | $77 | $4,353 | $363 |
| SUV | $911 | $76 | $2,815 | $235 |
| Truck: | $1,041 | $87 | $3,792 | $316 |
How Much Do Driving Record Violations Increase Insurance Costs?
Driving violations can have a significant impact on your car insurance costs in Arizona, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,603
- Speeding Tickets: 25% increase of an extra $641 a year at $3,244
- At-Fault Accident: 37% increase of an extra $949 a year at $3,553
- DUI/DWI: 38% increase of an extra $985 a year at $3,589
| Driving Violation | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Clean Driving Record: | $734 | $61 | $2,603 | $217 |
| 1 Speeding Violation | $917 | $76 | $3,244 | $270 |
| 1 At-Fault Accident: | $1,053 | $88 | $3,553 | $296 |
| 1 DUI Violation: | $1,080 | $90 | $3,589 | $299 |
What Factors Affect Car Insurance Costs in Arizona?
When comparing car insurance costs in Arizona, it’s essential to keep in mind that the rates can vary significantly based on several factors. Here are some key considerations when comparing car insurance costs in the state:
- Coverage Levels: The type and amount of coverage you choose will have a significant impact on your insurance costs. Arizona requires all drivers to carry liability insurance, but you can also opt for additional coverage, such as comprehensive and collision, which will increase your premiums.
- Personal Factors: Insurance companies consider personal factors when determining rates. These include your age, gender, marital status, and driving history. Younger drivers and those with a history of accidents or violations typically pay higher premiums.
- Vehicle Type: The make and model of your vehicle can affect insurance rates. Expensive or high-performance cars generally cost more to insure due to higher repair or replacement costs.
- Location: Where you live in Arizona can also influence your insurance costs. Urban areas often have higher rates due to increased traffic and a greater risk of accidents.
- Deductibles: The deductible is the amount you’re willing to pay out of pocket in the event of a claim. Choosing a higher deductible can lower your premiums but will require you to pay more if you have an accident.
- Discounts: Many insurance companies offer discounts for various reasons, such as safe driving, bundling multiple policies (e.g., home and auto), or being a member of certain organizations. Be sure to inquire about available discounts when comparing quotes.
- Credit Score: In Arizona, insurance companies can consider your credit score when determining rates. Maintaining good credit can help you secure lower premiums.
- Insurance Provider: Different insurance companies have their own pricing models and risk assessments, so it’s essential to obtain quotes from multiple providers to compare costs effectively.
How to Compare Car Insurance Quotes
- Gather Quotes: Obtain quotes from multiple insurance providers through InsuranceQuotes. You can do this by contacting agents directly or using our online quote comparison tools.
- Compare Coverage: Ensure that the quotes you receive include the same coverage levels and deductibles so that you can make a true apples-to-apples comparison.
- Consider Discounts: Inquire about available discounts and see how they can affect your rates.
- Review Customer Reviews: Research customer reviews and ratings for the insurance companies you’re considering to gauge their customer service and claims satisfaction.
- Seek Advice: Consult with an insurance agent or advisor who can help you understand your options and find the best coverage at a reasonable cost.
By carefully considering these factors and obtaining quotes from multiple sources, you can effectively compare car insurance costs in Arizona and make an informed decision that suits your needs and budget.
Popular Auto Insurance Cost Guides by City
See a more in depth guide for auto insurance costs broken down by popular cities in Arizona.
How Much Car Insurance Do I Need in Arizona?
Arizona is a popular vacation destination, which means roads can be busy with local and visiting traffic. This is especially of note if you are a resident, as more cars equates to an increased risk of being involved in accident. Maintaining the proper level of insurance is not only smart, it’s the law.
Arizona state law requires that you carry liability insurance. The minimum amounts of coverage are:
- $15,000 bodily injury for one person
- $30,000 bodily injury for more than one person
- $10,000 property damage
Insurance companies notify the Arizona Motor Vehicle Division of all new policies, policy cancellations, and non-renewals. If the MVD receives a cancellation or nonrenewal notice from your insurance company, it sends an inquiry to verify the status. You face suspension of your license and registration if you don’t have insurance. You then have to pay fees to reinstate these.
Tips to Save on Auto Insurance in Arizona
Many insurance companies in Arizona offer discounts to drivers. These discounts apply to:
- Multi-vehicle
- Multi-policy
- Good students
- Anti-theft devices
- Good drivers
- Loyalty (many insurance companies offer reduced premiums for each year a customer remains)
- Driver education
- Low mileage
Information on your credit report can affect your rate. State law dictates how insurance companies use the information. Most companies use an insurance score, which is different from a financial score. Insurance companies must notify you if they take action because of the information in your credit report. The best way to save on auto insurance is to use a car insurance comparison site like insuranceQuotes to get the most affordable price on your auto insurance policy in Arizona.
